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Buy-Now-Pay-Later is getting ever more popular. In a survey for Citizens Advice more than one in four people said they planned to use it for some of their Christmas shopping this year. Buy-now-pay-later is pretty much unregulated. Two of the biggest providers, Klarna and Clear Pay say they would welcome future regulation, but right now there are no rules on the agreements themselves or how they're promoted. We take a look at what could change.

There's have been more reports of incidents involving XL bully dogs across the UK in the past week or so. This is all ahead of the XL Bully dog ban coming into place on the 31st December, when it鈥檒l be illegal to breed, sell, advertise, exchange, gift, rehome, abandon or allow XL Bully dogs to stray in England and Wales. The Dogs Trust joins to clarify the situation regarding insurance they offer for XL bully dogs.

The Secretary of State for Energy Security and Net Zero is on the programme to talk about free energy efficiency improvements to your home. Listeners have told us how they've received letters from an energy provider or a company contracted by them. Some people have had contractors coming to their street, on behalf of an energy company, knocking on doors, offering to inspect homes and fit a range of energy efficiency improvements, free. It's part of a government-funded scheme.
But even if you want and accept the help, it isn't straight forward.

2023 has been another bumpy year for retail with consumers and retailers. As the year draws to a close we wanted to reflect on some of the key retail trends of the last year

And Christmas Day is just a week away but if you haven't had time or money to decorate your home with lots of shop-bought stuff, you could consider foraging instead. We've been out to see what you can find and what you can make with it.

PRESENTER: WINIFRED ROBINSON
PRODUCER: CATHERINE EARLAM